1. budget /'bʌdʒɪt/
n. 预算
e.g. Military spending accounts for around 17% of the federal budget.
剑桥听力11-2-2：The project has run over budget, so we have to postpone installing the elevator.
口语话题：How do you save money?
例：I have employed several strategies. To begin with, I create a budget, keeping track of my income and expenses, which helps me identify areas where I need to save or cut back.
其他补充：
budget-friendly 经济实惠的
Compared with dining out, cooking at home is definitely a budget-friendly choice for those who are conscious of their expenses.
low-budget 低成本的
This outstanding performance of the main character has made this low-budget movie a box-office hit.
2. transaction /træn'zækʃ(ə)n/
n. 交易；业务；买卖
常见搭配：make/conduct/carry out transactions 交易
digital translation 电子交易
e.g. The trend toward digital translation is undeniable.
如口语话题：Do you think cash will be more popular in the future?
例：Admittedly, digital payment has simplified the way people make purchases and conduct transactions, but cash will still hold relevance for those who are technologically illiterate.
补充：simplify 简化
technologically illiterate 对科技一无所知的
3. impulsive /ɪm'pʌlsɪv/
adj. 易冲动的;草率的
常见搭配：make impulsive purchases 冲动消费
Impulsive spending / buying 冲动消费
e.g. Impulsive buying leads to accumulation of debt if it is not controlled.
e.g. I manage to avoid impulsive purchases, and simply ask myself whether it is a genuine need or just a fleeting want before making any buying decisions.
4. debt /det/
n. 债务;欠款；
常见搭配：be deeply/ heavily in debt 深陷债务
be burdened with debt 深陷债务
e.g. I used to be a big spender, swiping the credit card as if there was no tomorrow. I did not even realize that I had already been in debt.
e.g. Be mindful when using the credit card as reckless use will get you deeply into debt.
补充：big spender 花钱大手大脚的人
swipe a credit card 刷卡
补充两个与金钱相关的习语：
1. live beyond someone’s means 超过自己经济能力范围的生活
e.g. Living beyond his means, he found himself in a cycle of debt.
2. rob Peter to pay Paul 借新债还旧债
e.g. Unwise use of credit card will lead people to a cycle of debt, forcing them to rob Peter to pay Paul so that they don’t pay high-interest fees.
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